Ngingayonga kanjani imithi yami?

Imithi ye-Company Ask SingleCare iyabiza, kepha kunezindlela zokwehlisa izindleko.

Ama-prescription ayabiza — azikho izindlela ezimbili ngakho. Uma uhlala e-U.S., Lokho kusho ukuthi ukhokha ngaphezulu umuntu ngamunye ngemithi kunanoma isiphi esinye isizwe esinezimboni emhlabeni. Lapho umncane futhi unempilo, ungahle ungakhathazeki kakhulu. Kepha uma kutholakala ukuthi unesimo esingelapheki noma udinga umuthi onentengo, izindleko zingangeza ngokushesha.

Ikota yabantu abadala abathatha incwadi kadokotela bathi kunzima ukuthenga imithi yabo, ngokusho kwedatha eqoqwe yi IKaiser Family Foundation . Noma ngabe uyingxenye yabangama-75% abangakhiphi amasenti ukukhokhela umuthi, kuhlale kukuhle ukuba nemali ethe xaxa ephaketheni lakho. Nawa amasu ambalwa wokukusiza ukuthi wonge kwimiyalo.

1. Qhathanisa amanani.

Ngaphambi kokuba uthenge indiza, uqhathanisa izindleko zokushiya ngezikhathi ezihlukile noma usebenzisa inkampani yezindiza ehlukile. Lapho uthenga izingubo, ungalinda ukuthengiswa noma uthenge umkhiqizo ohlukile ukonga amadola ambalwa. Kungani kufanele ukhethe ukuthatha incwadi kadokotela kuhluke?

Noma iningi labantu lidinga incwadi kadokotela ngesikhathi esithile ezimpilweni zabo, abantu abaningi abazi ukuthi amanani entengo ayahluka phakathi kwamakhemisi. Ukushintsha u-Rite Aid uye ku-CVS kungakusiza wehlise izindleko, ikakhulukazi imiyalo ephindaphindwayo. Noma, ukuzama isitolo samabhokisi amakhulu kungakutholela imali ethe xaxa.

Ungakhathazeki. Awudingi ukuvakashela amakhemisi amaningi ukuqhathanisa amanani, noma ngabe uthatha imithi eminingi. Esikhundleni salokho, sesha imishanguzo yakho ku-SingleCare bese ufaka ikhodi yakho ye-zip ukuthola amakhemisi aseduze nawe ngamanani angcono kakhulu.

2. Sebenzisa ikhadi lokonga ekhemisi.

Amakhadi esaphulelo kadokotela, njengeSingleCare, angakusiza wehlise amanani aze afike kuma-80%. Kumahhala, futhi kusebenziseka kalula. Vele uye ku- singlecare.com (noma landa ifayela le- uhlelo lokusebenza ), bese usesha umuthi wakho. Qiniseka ukuthi ulungisa izihlungi zedosi nobungako bakho, bese ukhetha isigqebhezana sekhemisi ngezindleko eziphansi kakhulu. Uma kungokokuqala ukugcwalisa incwadi kadokotela nge-SingleCare, uzothola isephulelo esingu- $ 5. Lapho-ke, isikhathi ngasinye lapho ugcwalisa enye, uzothola i $ 1 eyengeziwe ngokuya emithini yakho Ukonga Kwelungu uhlelo.

Amashadi we-SingleCare okucaciswa kwentengo akuvumela uqhathanise intengo yemali nokulondolozwa kwe-SingleCare ngonyaka odlule. Uma ingaphansi kwe-copay yakho yomshwalense, uyazi ukuthi wonga imali.

3. Funa isigqebhezana.

Lapho umuthi ususha, uvamise ukubiza futhi utholakala kuphela ngefomu lawo lomkhiqizo. Imvamisa abenzi bezidakamizwa bazonikeza amakhuphoni kubantu abahlangabezana neziqu ezithile, njengokuhlinzeka ngemininingwane yezokwelapha noma ukuba nomshwalense. Ukonga kadokotela kuhle, kepha hhayi wonke umuntu angakusebenzisa.

Amanye amakhemisi okudayisa azonikeza amakhuphoni ukuheha amakhasimende ukuthi agcwalise imiyalo ngawo. Isibonelo, ungathola i- $ 25 in-esitolo card yesipho somuthi wakho wokuqala njengekhasimende elisha.

4. Faka isicelo sosizo kadokotela.

Izinhlelo zosizo lwe-Prescription (PAPs) zikhona ukuxhasa abantu abadinga imishanguzo, kepha abakwazi ukuyikhokhela. Kunezinhlobo eziningi ezahlukahlukene ezinikezwa: abakhiqizi bezidakamizwa, ohulumeni bezwe noma bendawo, nezingenzi-nzuzo. Iningi lincike ekuboniseni isidingo sezezimali noma ukwenqatshwa enkampanini yomshuwalense. Ababes.biz yindawo enhle yokuqala ukucwaninga uma ngabe lezi ziphulelo zemithi oyitholayo ziyatholakala kuwe.

5. Cela okwejwayelekile.

Izidakamizwa ezijwayelekile kanye negama lomkhiqizo zinezithako ezifanayo ezisebenzayo. Okusho ukuthi, bazoba nokusebenza okufanayo ekwelapheni isimo sakho. Umehluko omkhulu izindleko kuwe.

Izidakamizwa ezinegama lomkhiqizo zivame ukubiza kakhulu ngenxa yenqubo ende yokwenziwa kwezidakamizwa. Abenzi bakhokhisa okuningi ukubuyisa izindleko. Lapho ilungelo lobunikazi liphela, abanye abakhiqizi bangakhiqiza umuthi, futhi ukuncintisana kwehlisa intengo.

Isibonelo, umuthi we-anticonvulsant I-Lamotrigine ER unentengo yokuthengisa engaba ngaphezu kwama- $ 500. Faka isigqebhezana se-SingleCare, futhi leyo ndleko ingaba ngaphansi kuka- $ 50.

6. Zama umuthi ohlukile.

Odokotela abaningi bayazi ukuthi eminye imithi ibiza kakhulu kuneminye. Uma unenkinga yokunikeza ukwelashwa kwakho, khuluma nodokotela wakho ngokuzama umuthi ohlukile ongabiza kancane.

Yiba nengxoxo evulekile nomhlinzeki wakho wezokunakekelwa kwempilo mayelana nentengo yemithi yakho. BUkwethembeka kudokotela wakho ngokubaluleka kwezimali ezihlobene nemithi, kusikisela uShaili Gandhi, uPharm.D., usekela mongameli wezinto ezenziwa e-SingleCare. Imithi ejwayelekile ingaba yingxenyana yezindleko njengegama lomkhiqizo, noma omunye umuthi olingana nawo ungabiza kakhulu. Uma ungakhulumi ngayo kudokotela wakho, bangavele bacabange ukuthi umshwalense wakho uzokhokhela imiyalo ebizayo

Kepha umshwalense awuhlali njalo, futhi noma ngabe uyawenza, siyazi ukuthi kubaluleke kangakanani ukonga.

Izidakamizwa ezintsha zivame ukubiza kakhulu, kuyilapho ama-standbys amadala afana ne-penicillin nama-statin enamaphoyinti entengo aphansi. Kungahle kube nokwelashwa okulingana nokuzama okulula esikhwameni.

7. Thola ukuthi uyawudinga yini lowo muthi.

Uma ngabe uphuza umuthi ofanayo iminyaka, kufanelekile ukubheka ukubona ukuthi usawudinga yini lowo myalelo. Qiniseka ukuthi awuyikhokhi imithi ongasayidingi, uDkt Gandhi uncoma. Khuluma nomhlinzeki wakho wezokunakekelwa kwezempilo mayelana nezinguquko zendlela yokuphila ezingasusa umuthi ohlotsheni lwakho lwansuku zonke. Noma, ngena nje kumuthi kadokotela oke waba nawo iminyaka.

Uma wenze ushintsho lwendlela yokuphila olusebenzayo, lunganciphisa isidingo sakho semithi ethile. Akukaze kube buhlungu ukubuza umhlinzeki wakho wezokunakekelwa kwempilo.

8. Cela ukunikezwa kwezinsuku ezingama-90.

Ngemithi ejwayelekile, ungabheka ukugcwaliswa kwezinsuku ezingama-90. Banganciphisa intengo, futhi bangeze okulula. Ngamanye amagama, ngemithi owaziyo ukuthi uzoyidinga esikhathini esizayo esibonwayo — njengemithi yomfutho wegazi ophakeme noma ukulawulwa kokuzalwa — ungakwazi uku-oda ukuphakelwa kwezinyanga ezintathu.

Esikhundleni sokugcwalisa njalo ezinsukwini ezingama-30, ukunikezwa kwezinsuku ezingama-90 kunganciphisa inani eliphelele le-copay. Ukuthenga ngobuningi kunganciphisa izindleko ezifika ku-29%, ngokusho kwe- Ucwaningo lwe-University of Chicago .

9. Thenga ku-inthanethi (ngokucophelela).

U-oda cishe yonke enye into online, ngakho-ke kungani ungangezi imithi enqoleni yakho yokuthenga yedijithali? Kuyindlela enhle yokuthola amadili kwezinye izinto, futhi intengo ephezulu yemigomo ishukumisele abantu abaningi ukuthi bafune i-inthanethi ngezinye izindlela ezingabizi kakhulu. Faka okulula, futhi kubukeka njengokuwina-win.

Uma usebenzisa ikhemisi eligunyaziwe, kungaba njalo. Kodwa-ke, kulula ukuthenga ngengozi amaphilisi omgunyathi. Ngaphambi kokuthenga imithi online, qiniseka ukuthi ikhemisi lidinga incwadi kadokotela ukuze uyithenge futhi liyingxenye ye- Izindawo eziqinisekisiwe ze-Internet Pharmacy Practites (VIPPS) uhlelo. Funa imininingwane yokuxhumana, uma kwenzeka unombuzo kusokhemisi, nakweminye imikhondo isiza sivumelekile — njengekheli lendawo eU.S.

Uma ungabaza, sebenzisa isevisi yokulethwa kwemithi ye-SingleCare yamahhala. Ngokubambisana ne-GeniusRx, sihlinzeka ngokulethwa emakhaya kwemithi yethu egcwala kakhulu engama-4,000 kuzo zonke izifunda ezingama-50, imvamisa ezinsukwini ezimbili kuya kwezintathu. Uzothola amanani aphansi ngokungaguquguquki anezaphulelo ezijulile nakweminye imiyalo egcwaliswa kakhulu.

10. Cabanga ngokushintsha uhlelo lwakho lomshwalense.

Noma ngabe umbozwe ngumshuwalense ngomqashi wakho, noma ngeMedicare Part D, uhlelo lwakho luchaza ukuthi kudonswa imali yakho, iziphi izidakamizwa ezihlanganiswayo, kanye ne-copay yakho ekhawunta yekhemisi. Uma uthola ukuthi unesimo esisha, futhi umuthi owelaphayo ubiza kakhulu, sekuyisikhathi sokuhlola izinketho zakho. Ukukhokha okuphezulu nyangazonke kungasho ukukhishwa kwezidakamizwa okungadonswa noma okuthuthukisiwe. Lapho umuthi kadokotela wezinyanga zonke ubiza kancane, lezo zindleko zingalingana.

Noma ngabe unomshuwalense noma cha, kunezinketho zokwehlisa izindleko zakho zokuphuma ephaketheni. Ungavumeli amanani aphezulu abe yisizathu sokuthi ungayithathi imithi yakho!